I'll start, and then he can add.
In Europe, the U.K., and some countries in Asia, it's a recent development over the last year to year and a half. The upside to open banking, as the pro-open banking people are saying, is that it provides consumers with more choice and that it provides more efficiency in the financial services sector. The trend is quicker, faster one-stop shopping. Some of the arguments that are being talked about are that a customer or consumer would have financial products with many different players. You might have a mortgage with your bank, another loan with another bank, and another product with a credit union. This would all encapsulate and regroup together all your banking data and your financial data. Those are some of the reasons why open banking is in place in these other countries.